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Pooled Employer Plans: Managed accounts consider employee demographics

A Pooled Employer Plan (PEP) is a multiple employer defined contribution plan consisting of numerous companies that can have a diverse set of employee demographics. The PEP market has surpassed $10 billion in assets with more than 24,000 employers participating.

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Why StoryLine as the Qualified Default Investment Alternative (QDIA)

Stadion analyzed plans who offer our service and share participant allocation data. We found that employees defaulted into the StoryLine managed account service appear to have more age-appropriate equity allocations when compared to the S&P Target Date Fund Index series than their colleagues who are do-it-yourself (DIY) investors making their own investment decisions. With StoryLine, defaulted employees receive a personalized allocation without engagement.

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Plan re-enrollment: Help participants get on the right track

Stadion researched 1,552 plans with over 47,000 participants where Stadion receives current and prospective participant data to gain a better understanding of participant allocation decisions. While there may be unknown factors justifying certain allocations, Stadion found that participants who allocate their retirement investments on their own may find themselves invested either too conservatively or too aggressively based on their individual factors and the S&P Target Date Index.

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The Evolution of Qualified Default Investment Alternatives (QDIA)

Dynamic QDIA is a solution that defaults participants below a certain age into a TDF and participants at or above that age will be defaulted into a managed account. We believe that as investors get older and their financial situations become more complex, there is a need for a more personalized service. Younger participants defaulted into a TDF can elect to enroll in the managed account if they feel they would benefit from a more personalized service.

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Participants surveyed want help when it comes to retirement investing.

Stadion’s StoryLine can help.

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Selecting a Qualified Default Investment Alternative (QDIA)

Workforces are diverse—in how they invest, how they feel about risk and how they save. We believe one size doesn’t fit all in retirement planning, especially when it comes to selecting the QDIA for a plan. The following considerations were created to help during the evaluation process.

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